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This home is in St. Johns.

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Active·1 day on market

290 Spruce Hill Point

St. Johns, FL 32259

$449,900$281/sqftEst. $2,294/moMLS# 2157020
3
Beds
2
Baths
1,601
Sq Ft
2025
Built
2
Garage
No
Pool

About this home

St. Johns

This Beautiful Valeria Farmhouse home is Thoughtfully designed living space that will inspire your everyday living. Make every meal special in the open-concept dining area, then relax in the adjacent Great Room overlooking the covered patio. The kitchen is perfectly designer-coordinated & full of natural light, with a walk-in pantry & breakfast island. Bedrooms 2 & 3 open from here & share a full bath plus an adjacent linen closet. The owner's suite pampers you with luxurious privacy, including a spa-inspired bathroom & large walk-in closet with linen shelf. Located in the mostRIVERTOWN is a master-planned community nestled along the pristine shores of the St Johns River. Each amenity is geared toward staying fit, meeting new friends, and having fun in northeast FL's sunshine. RiverTown is designed to connect its residents to the beautiful natural surroundings with neighborhood parks overlooking lakes and preserve, w/miles of trails! This home is Ready to be yours!

Cost to own

Mortgage calculator

$449,900
$89,980
Loan Term
Monthly Payment
$2,294
Principal & Interest: $2,294
Property taxes (est.): $599
Insurance (est.): $300
Estimated Total Monthly
$3,193
*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.58% · 30yr$2,294
Property taxesest. at asking price, St. Johns County$599
HOAbilled annually$4
Estimated total, before insurance$2,897/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone F

Zone F evacuates after zones A, B, C, D, E in an approaching storm.

Roof: Shingle — year not disclosed (home built 2025)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

  • Jul 24, 2026Listed$449,900

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$449,900
Price / Sq Ft$281
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,601
Year Built2025
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

ElementaryHallowes Cove Academy
MiddleHallowes Cove Academy
HighBartram Trail

Community Information

Address290 Spruce Hill Point, St. Johns, FL 32259
Area302-Orangedale Area
SubdivisionRivertown Bluffs
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Parcel Number0009710330

Amenities

AmenitiesChildren's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Park, Pickleball, Playground, Tennis Court(s)
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesKitchen Island, Pantry, Smart Thermostat, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Gas Oven, Microwave, Refrigerator, Tankless Water Heater, Washer
HeatingCentral
CoolingCentral Air
# of Stories1
LevelsOne

Exterior

RoofShingle

Additional Information

Date ListedJuly 25, 2026
Days on Market0
HOA Fees$53 / Annually
HOA FrequencyAnnually
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: LOKATION

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Keep looking

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Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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